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John Lewis - PRODUCT INSURANCE

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Insurance Product Information Document

Company: London General Insurance Company (LGI)

Authorised in the United Kingdom by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. LGI Financial Services Register number 202689.

Product: Added Care Product Insurance

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London General Insurance

London General Insurance Company Limited, registered number 1865673, is a private company limited by shares and incorporated in England (TWENTY Kingston Road, Staines-upon-Thames, Surrey TW18 4LG), authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, FRN 202689. Further details can be found on the Financial Services Register under Firm Reference Number 202689.

This document provides a summary of the key information. Complete pre contractual and contractual information is provided in other documents.

What is this type of insurance?

Accidental damage insurance for the Product purchased from John Lewis & Partners. The Product is defined as either a television, a mobile phone or selected small appliances and technology. Confirmation that we can cover your particular item will be confirmed through the sales process, and will be detailed on your schedule of insurance.

Included

What is insured?

What is insured?

  • Accidental damage: Defined to be damage resulting from an unforeseen or sudden incident.

    The maximum amount this policy provides cover for is up to the purchase price of your Product.

Worldwide cover:  For single trips of up to 30 days (Not applicable to Television policies)

How we settle your claim:

• We will either repair or replace your Product

• If a replacement of the same make and model or of similar specifications is

not available, we will contact you to discuss an alternative settlement

• Where we replace your Product, we may use refurbished (not brand new)

products. (With the exception of televisions)

• No excess charges to pay

 

Included

What is not insured?

What is not insured?

  • Deliberate or malicious damage
  • Cosmetic damage Accessories
  • These and all other exclusions can be found in section 4
  • What you are not covered for in the Added Care terms and conditions and replaceable items (for example headphones, chargers/power cables, batteries, fuses etc.
  • Business use
  • Any incident where you have knowingly put your Product at risk or not taken care of it

These and all other exclusions can be found in section 4 “What you are not covered for” in the Added Care terms and conditions

Exclamation

Are there any restrictions on cover?

Are there any restrictions on cover?

 
  • If the authorised service facility determines that the Product is in working condition or the fault or damage is not covered by your policy, we will return the Product to you or dispose of it at your request.
  • This policy can only be purchased within 30 days of purchasing your Product.
  • You must be a resident of the UK, Isle of Man or the Channel Islands and be 18 years or over
Globe

Where am I covered?

Where am I covered?

  • UK only for televisions 

  • Worldwide on all other products for single trips of up to 30 days in any 12 month period

Hand

What are my obligations?

What are my obligations?

  • Let us know as soon as possible if you need to make a claim.

  • You must take reasonable care to answer any of our questions open and honestly and to the best of your knowledge. Failure to do so may affect the validity of your policy and the assessment of your claim.

  • Inform us if you wish to transfer the policy to someone else. The option to transfer the policy to someone else is available for all Products except mobile phones.

Sterling

When and how do I pay?

When and how do I pay?

The full premium is payable at the policy start date.

Time

When does the cover start and end?

When does the cover start and end?

Cover will begin from the date you purchase this policy, or the date you receive your Product if it is delivered to you, whichever is the later.

Cover under this policy expires on the earliest of:

  • The date your Product is replaced or you receive an alternative settlement. This does not apply where you receive a refurbished product; or
  • The expiry date as shown on your confirmation schedule; or
  • The date the insurance is cancelled by you or the insurer; or
  • In the event of any accidental damage occurring to the product as a result of any unauthorised repair, modification or upgrade.

The insurer can cancel the insurance without notice if you make a claim which we believe to be fraudulent. Otherwise the insurer can cancel your insurance by giving you 60 days writtennotice to your last known address or an email to the email address you provided.

 

 

Cancel

How do I cancel the contract?

How do I cancel the contract?

  • You may cancel the insurance within the 60 days of receipt of the insurance documents and providing you have not made a claim you will receive a full refund of any premiums paid. If youhave made a claim you will receive a pro rata refund based on the number of full unexpired months remaining on your policy.

    You can cancel your policy at any time by contacting the administrator’s Added Care Team by telephone on 0330 100 3637; or write to John Lewis Added Care Team, PO Box 99, MitcheldeanGL17 0SX.

    You can also email the team at johnlewis@thewarrantygroup.com.

    If you have not made a claim and cancel within 60 days from the date of purchase or receipt of the terms, whichever is the later, you will receive a full refund of the premium paid.

    If you have made a claim or cancel after the 60 days then you will receive a pro rata refund of the premium you paid based on the number of full unexpired months of cover.

Important information about your insurance policy
We are required to provide you with certain key information prior to the purchase of your John Lewis Added Care policy and it is important that you take time to read this. Please also refer to your policy Terms and Conditions for further details. English law applies to the policy and is subject to non-exclusive jurisdiction of the Courts of England.

How does this policy meet your demands and needs?
You have chosen Added Care because you wish to protect your purchase against accidental damage for 2 years. This insurance product meets those demands and needs. Please note that John Lewis & Partners is not providing you with any personal recommendation or advice regarding your insurance purchase. The purchase of this Added Care policy is based on your stated needs and requirements according to the response you have provided. Please ensure you have read the full terms and conditions and you are satisfied that this policy meets your needs. This is an optional product. Extended warranties may be obtained elsewhere and your household insurance may be relevant.

Who provides John Lewis Added Care?
The insurance is underwritten by London General Insurance Company Limited, (company number 1865673) whose registered head office is at TWENTY Kingston Road, Staines-upon-Thames, Surrey, TW18 4LG, United Kingdom. London General Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Further details can be found on the Financial Services Register at www.fca.org.uk under firm reference number 202689. The claims administrator is TWG Services Limited, company number: 01883565, whose registered office address is TWENTY Kingston Road, Staines-upon-Thames, Surrey TW18 4LG.

What is the complaints process?
For complaints relating to the terms of this policy, administration or claims handling under this insurance please write to the Customer Relations Department of TWG Services Limited at The Aspen Building, Floor 2, Vantage Point Business Village, Mitcheldean, Gloucestershire, GL17 0AF, telephone 0330 100 3637, or email customer.relations@thewarrantygroup.com

If you have a complaint relating to the sale of this policy please contact John Lewis & Partners Head Office Customer Services by telephone on 020 7828 1000 or by post to 171 Victoria Street, London SW1E 5NN.

If your complaint is not resolved to your satisfaction you may within 6 months of a final decision contact the Financial Ombudsman Service at Exchange Tower, Harbour Exchange Square, London E14 9SR, or by telephone: 0800 023 4567 or 0300 123 9 123. Website www.financial-ombudsman.org.uk Alternatively you may use the European Commission’s Online Dispute Resolution website at http://ec.europa.eu/consumers/odr/

What happens in the unlikely event that the insurer is not able to meet its obligations?
London General Insurance Company Limited are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our liabilities. You can get more information about the compensation scheme arrangements by contacting the FSCS by telephone on 0800 678 1100 or by post at Financial Services Compensation Scheme, PO Box 300, Mitcheldean, GL17 1DY. Website www.fscs.org.uk

How your personal information is used.
Your personal details will be used by London General Insurance Company Limited (the Insurer), TWG Services Limited (the Administrator) and their repairers and service providers for policy and claims administration and for fraud prevention. A copy of the details held about you is available upon request. We may also provide by post or email, text or telephone, administrative information including expiry/renewal details. For these purposes, your data may be confidentially and securely transferred outside the EEA. We may also send other information in this way, including marketing about this and other similar products provided by our group of companies, but you may contact us at any time to stop receiving any such other information. Please see the full terms and conditions for more information about how we use your personal details.

Other Important Information
Your statutory rights will not be affected when you buy a Policy. These include the right to a remedy such as a repair or replacement. Further information on your rights can be obtained from the Citizens Advice Consumer Helpline 0345 404 0506. This is an optional insurance Policy and similar policies may be available from other providers at a later date. You may also be covered under your household contents insurance or any other policies you may have in place.

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